CASCO cost in 2021 by car model

What is CASCO

Auto CASCO is a universal agreement drawn up between citizens and an insurance company. Unlike standard MTPL, the object of its protection is not only the vehicle, but also the driver himself. But the legal force of the mentioned document extends to a number of circumstances, such as:

• Damage to the insured car (due to an accident, natural disaster or act of vandalism);
• Theft of movable property or theft of its individual parts (radio tape recorder, wheels, bumpers, moldings, etc.);
• Causing harm to the client’s health (due to one’s own negligence, due to illness or as a result of the influence of third parties);
• The onset of civil liability (in this case, compensation for damage occurs not in favor of the policy owner, but for those affected by his actions);
• Vehicle breakdown (in such situations, a free specialist visit to the site and subsequent evacuation of the vehicle to the nearest service station are provided).

At the same time, the cost of CASCO for a new or used car is calculated individually, depending on the package of services chosen by the client. How to find out the exact price of comprehensive car insurance for a specific car brand, we will consider below.

How much does CASCO cost for a car in 2018?

Before taking out insurance policies, many car owners strive to make a preliminary calculation of the cost of insurance in order to estimate the upcoming expenses and choose the most suitable option. The most suitable option for this are special online calculators (read more about how to use an online calculator here, and in this article you can find out where to find a free online calculator).

Moreover, to calculate the cost of CASCO for passenger cars, much more resources are offered than for trucks.

To calculate the price of the policy, you can contact the insurer itself to get a preliminary result, or use CASCO calculators for trucks, for example:

1. Sravni.ru - calculation of the cost of CASCO for any cars.
2. Broker24.ru is an insurance operator that provides calculation of the cost of CASCO for trucks.
3. Insurance agency Element - let the calculation be made only within one company, but this will allow you to get acquainted with the approximate prices on the voluntary auto insurance market for trucks.
4. GalaxyInsurance website - an online CASCO calculator for freight transport is also available.

The online comprehensive insurance calculator will calculate the best deals in Moscow, St. Petersburg, Yekaterinburg, Krasnodar, Novosibirsk, Samara and other Russian cities, processing the rates of 20 insurance companies. Just enter the data and the program will perform all the complex calculations. You can select and order a comprehensive insurance policy online at no additional cost.

After submitting your order, a representative of the insurance company will contact you during business hours - from 9 a.m. to 6 p.m. If you submit your application after 6 p.m., the order will be processed the next business day. A comprehensive insurance policy is issued by an insurance company. In some cases you can use .

You can quickly calculate the approximate cost of CASCO for a new car. Enter all the necessary data and the system will offer you options from leading insurance companies. You no longer need to go to insurers' offices and find out the details of the contract; our calculator will show the final cost in just a few seconds.

The system searches for profitable offers from all insurance companies and offers a complete list of options from trusted insurers. The search will take a few seconds, after which you can study the offers and choose the one that suits you. To make it easier for you to make the right choice, we suggest that you familiarize yourself with the rating of insurers, compiled on the basis of customer reviews, solvency and reliability of companies.

The CASCO insurance policy involves payments to eliminate damage to the car or compensation in the event of theft. The online calculator for calculating the cost of a CASCO policy in Moscow takes into account several design options:

• Full (from theft and total). You will receive a payout if your vehicle is stolen or completely lost. Complete loss is understood as the impossibility or impracticality of restoration.
• Partial (only from damage). You will receive compensation only for damage in an accident, natural disaster, or from the actions of third parties.

You can reduce the cost of insurance if you specify a limited list of risks. The cost of CASCO is also affected by the specified franchise. If an insured event occurs, you will receive compensation minus this amount. Choosing CASCO insurance with a deductible will help you save significantly when taking out a policy.

It makes no sense to find out the average cost of insurance; it is wiser to fill out the form on our website, enter your data and find out in a few seconds how much car insurance will cost you from different companies.

Having chosen the appropriate option, you can pay for the policy on our partners’ website and receive the document in electronic form.

• Save time. The service provides data on insurance company prices in 60 seconds. You don't need to waste time doing the calculations yourself.
• Exact data. The calculator takes into account all currently known coefficients and tariffs, eliminates errors and works any day of the week.
• Analysis of the advantages and disadvantages of each insurance system. The service will show all the options that insurance companies offer. You can decide for yourself whether to leave them or remove them. The calculator will not impose unnecessary services.
• Order insurance without unnecessary steps. On the results page you can immediately select a suitable insurer and issue a policy.

Enter all the data into the appropriate fields of the auto CASCO calculator. A CASCO price calculation will be manually prepared for you, taking into account possible discounts, as well as the necessary options for quality payments.

1. You fill out all fields of the calculator,
2. An insurance consultant will contact you to clarify details, if necessary,
3. You receive a comparative table with prices and a list of insurance companies by email,
4. If you wish, you can get a free consultation from our insurance expert with at least 5 years of experience,
5. Choose the best option
6. Come to the office to pick up a policy or order free delivery,
7. After insurance: you receive an annual service from Gosavtopolis as a gift: auto lawyer, assistance with payments, consultations in case of accidents, etc.,
8. All our services for you are 100% free. The insurance will pay for them!

When you contact us, you will receive a personal manager for a year, who will save your time and nerves.

Commission for our services - 0% Calculate the cost of CASCO for your car, get advice on your choice - free! Because our work will be paid for by the insurance company you choose. You pay only for the policy itself, without extra charges or commissions. And the data entered into the form is 100% protected. What benefits us is what benefits you!

Our CASCO online calculator allows you to determine the cost of insurance in 2021 for all car brands. You will learn and compare information on insurance conditions, we will tell you the nuances and pitfalls - absolutely free.

Fill out the form to calculate CASCO insurance at various insurance companies! We will prepare terms and rates free of charge from time-tested and customer reviews of insurance companies.

Do you need MTPL insurance? Calculate the cost for

OSAGO calculator

— online calculation of the cost of the policy.

When filling out an application using an online calculator, a standard list of documents is usually required to calculate the cost of the policy:

1. Passport.
2. Driver's license of the car owner and other drivers who will drive the vehicle.
3. PTS (vehicle passport).
4. The application form for CASCO established by the insurance company (when completed on our online calculator, the application is generated immediately for all insurance companies).

Thus, the advantage of calculating and issuing a CASCO policy using our online calculator is obvious. In addition to additional discounts, by filling out all the fields of the form only once, you will receive a quote for all companies at once and will be able to buy a CASCO policy at the best price for you.

By using our online calculator you are already saving significantly. By filling out the form once, you will receive a calculation of the cost of CASCO insurance, taking into account all the discounts that insurance companies are ready to provide you. In addition, there are several other ways to save on insurance:

• Add a franchise to your contract. For example, a franchise of 10,000 rubles can reduce the cost of annual comprehensive insurance from 10 to 25 thousand rubles.
• Do not include drivers with little experience in the contract. In some cases, this method allows you to reduce the cost of CASCO by up to 50 percent.
• Choose a suitable insurance program for yourself. For example, insurance only against theft and total damage to a car will be 2 times cheaper than regular CASCO.

To calculate the cost of a CASCO policy online, follow the instructions of the calculator. First of all, provide information about the vehicle, the anti-theft devices installed on it, as well as the name of the region according to the current registration. After this, you need to fill out information about the driver or drivers allowed to drive the car and send the data for calculation.

Based on the calculation results, you will see on the screen the current CASCO offers for 2018 from all insurance companies. The online calculator VseKASKO.rf is your advantage in finding profitable car insurance. Try it and see for yourself!

Modern life is so fast that sometimes it does not leave us time for long trips around the city to visit companies and resolve issues. Online insurance is an excellent option for business people or for those who value their time. In addition, the very speed of data processing already allows you to save on travel around the vast Moscow, because you can submit a request for a calculation while in the office, or while on a business trip, and even if you are sick and do not have the strength to deal with the insurance issue.

Contact the Element insurance agency and get the opportunity to make all the calculations in any place convenient for you!

What is the cost of insurance?

The total amount payable for a policy is based on several criteria, some of which are mandatory, while others are optional. The first category includes:

• Client's age;
• Year of manufacture of the vehicle;
• Driving experience;
• Vehicle class and equipment;
• Availability of a franchise;
• Type of vehicle purchase (on credit or payment without installments).

Factors not included in the standard list include the following: the selected service package (minimum or full) and the presence of additional options in it. But we will find out later in the article how each of the listed points affects the price of CASCO insurance.

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In total, Russian insurance companies (“RESO-Garantiya”, “Alfa-Strakhovanie”, “Ingosstrakh”, etc.) are ready to offer their clients two policy options that differ in functionality:

• Initial (the cheapest option, providing protection of civil liability and compensation for part of the damage received as a result of an accident);
• Maximum (extended package, which includes options from the starter set, as well as compensation for car theft, coverage of all types of vehicle repair costs and driver treatment).

It is important to know! At the same time, agents must inform the client about the estimated cost of each policy. And he himself will decide which CASCO insurance to apply for, based on his financial capabilities.

Age

In accordance with the regulations of insurance companies, citizens under 21 years of age will pay for a comprehensive coverage at an increased rate. And this decision of the Investigative Committee is explained by the lack of driving experience among young people.

However, an increased rate is also provided for pensioners (over 65 years of age). But in this case, office employees refer to the client’s poor health (due to poor vision, hearing, heart disease and other pathological manifestations, the chance of an accident involving the elderly increases significantly).

Experience

Experience is one of the key parameters for calculating the cost of CASCO, since in practice, traffic accidents more often happen to novice drivers who have a minimum of experience in driving a vehicle. Therefore, for beginners, the policy rate reaches about 9-11% of the value of their movable property. Experienced motorists pay a much lower percentage. But upon reaching the age of 65, their accumulated experience is gradually canceled, and the price for insurance begins to grow rapidly, increasing every year by 1-2%. Based on this, it follows that the driver’s age and his experience are interdependent.

Vehicle make and year

The cost of CASCO for car models in 2021 is calculated based on three main factors: theft statistics of a particular brand, its technical condition and year of manufacture. Let’s look at which vehicles are the most expensive today in the table below:

It is worth noting that the CASCO price for new cars differs significantly from the cost of the policy for used cars. But this difference is noticeable only on models from the same price category.

Number of registered persons

Many complex-type insurance documents have a “multidrive” option by default, which allows the vehicle owner to add an unlimited number of drivers to the cover. At the same time, calculating the final cost of a document with a large list of registered persons is quite simple, since it is based on the performance of the worst (inexperienced) motorist. The most frequently mentioned service is used by citizens organizing passenger transportation by taxi or bus.

Franchise

A deductible is an individual indicator indicating the frozen amount of compensation that the insurance company does not pay to the citizen in the event of damage. It can only be included in the contract with the client’s consent. But the benefit from this will be doubtful.

It is important to know! After all, if the check for the repair of movable property does not exceed the established limit, then the car owner will have to pay for it himself. In other cases, with large expenses, the insurance will pay the victim only part of the agreed amount, minus the deductible.

But if you take into account how much a CASCO policy for a car costs in 2021, then a 2-3% discount when applying for it for franchise owners will turn out to be quite small.

Other

Some reputable companies specializing in providing financial protection for vehicles (Alfa-Insurance, RESO-Garantiya, Rosgosstrakh, etc.), when calculating the cost of the policy, pay attention even to the little things:

• The presence of scratches, dents and chips on the body (such touches may indicate the driver’s participation in minor accidents, and therefore higher rates will initially be provided for him);
• The number of requests for compensation payment under the previous policy (the more often the client asked for compensation for damage to the vehicle, the more likely it is that the rate for him will be too high or he will be refused insurance altogether);
• Equipment of the car (if the car has an alarm system, and its windows and doors are securely closed, then the likelihood of theft of such a vehicle will decrease to zero. Along with it, the final cost of the policy will also decrease. However, agents can carry out an inspection only with the permission of its owner);
• Data on recorded traffic police fines (the nature of violations and their frequency are considered).

It is important to know! Based on the listed indicators, the insurance company can determine exactly how much CASCO costs for a particular car. But it wouldn’t hurt for the car owner to master such skills.

How to find out the cost of a policy online?

To calculate the cost of a voluntary insurance contract for a truck, you will need to perform several sequential steps, which are described below.

1. Go to the CASCO calculator on the website.
   The Sravni.ru website offers many services for preliminary cost calculations. Therefore, to calculate CASCO insurance for freight transport, you need to:
   • go to the website;

   select the online car insurance calculator section;

2. select the “CASCO” submenu.
3. Enter the required data.
   The operating principle of the online calculator on the Sravni.ru website is based on step-by-step answers to system questions.

   In its questions, the calculator will specify the following information:

   • Make of the insured truck.

   Model of the insured truck.

4. Engine size, and the system will only show those options that could be installed on a particular model.
5. Transmission type: manual or automatic (if the truck assumes that only “mechanics” was installed on it, the system will automatically substitute this value).
6. The market value of the truck on the date when the insurance contract is planned to be concluded.
7. Availability of a vehicle tracking system via GPS (satellite system).
8. Is the car under credit obligations?
9. The number of citizens who are allowed to drive a vehicle.
10. Personal data for citizens who are included in the voluntary insurance policy.
    IMPORTANT: If you select insurance without driver restrictions, the system will prompt you to enter the age of the youngest driver and the total driving experience of the most inexperienced driver.
11. Personal data of the user making the request (used to keep records of site users and protect against spam requests).
12. Select the risks from which the truck needs to be protected.

    The online payment system on the Sravni.ru website adapts to user requests and provides the most relevant and profitable offers. Therefore, after displaying offers for standard CASCO programs for trucks, you can sort out offers for insuring an individual number of risks. They can be made larger – extended CASCO – or smaller.

The technique itself for calculating the cost of a CASCO policy for trucks is not that complicated. For the procedure, you will need to go to the website of the insurer from whom you plan to purchase insurance. The calculator itself is a special form in which you will need to enter the following information:

• Some insurers offer to pre-select the type of vehicle - passenger or truck.
• Make of the vehicle, its model and year of manufacture.
• Vehicle cost. For a new one, the cost for which the truck was purchased is usually used. And if it has been running for more than a year, the estimated value can be used in the calculation.
• The presence or absence of anti-theft and satellite systems.
• Since cargo transport may not be owned by the policyholder, in some CASCO calculators the grounds on which the client disposes of the vehicle are also indicated.
• Vehicle owner details.
• Information about drivers allowed to drive. In particular, their number, the driving experience of each driver, age.
• Some insurers offer to choose the preferred duration of a voluntary vehicle insurance contract against property damage.

In 2021, the average cost of a CASCO policy was 55 – 65 thousand rubles. The cost of insurance is influenced by many factors:

• car make and model;
• year of issue;
• engine power;
• region of registration;
• number of drivers, their age and driving experience and others.

To find out how much CASCO costs for your car, use the convenient calculator on our website.

Insurance companies set tariffs on the basis of the Civil Code of the Russian Federation, Laws dated November 27, 1992 N 4015-1 “On the organization of insurance business in the Russian Federation” and Laws dated February 7, 1992 N 2300-1 “On the protection of consumer rights.” There is no special law dedicated to CASCO insurance. When calculating the cost, insurers take into account:

• The actual market value of the vehicle at the time of insurance
• Vehicle make and model
• Amount of insurance payment
• Availability of additional services in the policy: auto lawyer, tow truck
• Availability of a franchise
• KBM under the previous policy
• Popularity of a car brand in the list of the most stolen cars

The cost of the policy depends on all these factors and on average varies between 2-6% of the market price of the car. To calculate CASCO online, use our calculator.

The price of such an insurance policy consists of many factors, and the formula for determining the cost of CASCO insurance is even more complex than the formula for the cost of compulsory motor liability insurance.

In particular, the price of the policy is affected by:

• Driver's age - in most cases, CASCO will cost more for drivers under 21 years of age and over 65 years of age.
• Vehicle age – Insurance companies like to insure new cars and are very reluctant to insure vehicles that are over 10 years old.
• Length of accident-free experience - obviously, the longer the driver demonstrates accident-free driving, the higher the insurance company’s confidence in him.
• Availability of car alarms and other anti-theft systems - the car must somehow be protected from theft by an alarm system, immobilizer, etc. devices.
• Car make and model – Even if different brands of new cars cost about the same, the cost of insurance for them can vary dramatically.
• Other factors - insurance companies may also consider other factors, including whether you have previously worked with competitors of a given insurance company.

Indeed, if you ask an insurance agent to calculate the cost of a CASCO policy for two different car models with approximately the same cost and the same other factors (the age of the driver, his accident-free record, etc.), you can often find that the price of CASCO differs significantly.

It is believed, for example, that Japanese cars are stolen more often than others. Therefore, the cost of CASCO insurance for them will initially be higher - the risk for the insurance company that it will have to pay you insurance is obviously higher if you insure a “Japanese”.

The second reason is the different cost of spare parts and their availability. If your CASCO policy takes into account the risk of getting into an accident, then the insurance company needs to take into account the approximate cost of restoring your car, and it differs very much in different cases. Russian-made cars, spare parts for which are available and cheap, are one thing. Another thing is the same Japanese auto industry.

Another reason that is also taken into account by insurers is how many service stations in your city will generally undertake to repair your car and at what price. It happens that repairs are available only from an official dealer, who sets monopoly high prices for their services.

We noted above that the car model is an important, but far from the only factor that affects the price of a CASCO policy. The cost of insurance also depends on the driver himself and on how carefully he follows traffic rules and the requirements of the insurance company.

However, if we take the average values ​​for the insurance market, then the cost of CASCO for a particular car model in 2021 is determined as a certain percentage of the cost of a new car.

To accurately calculate the cost of CASCO, the insurance company will ask you for many parameters, such as the make and model of the car, year of manufacture, mileage, engine type and power, gearbox type, body type, the presence of an alarm, the presence of an auto start, and, of course, age and length of service of drivers admitted to driving.

All these parameters directly or indirectly affect the likelihood of accidents and theft, and, accordingly, the cost of insurance. Preference is given to adult, experienced drivers with families, as this promotes a calm driving style and minimizes the risk of accidents. The cost of the policy in this case will be minimal. The cost is also affected by statistics on thefts of a given car model in a particular region and the cost of spare parts for it.

Insurance companies set the price for CASCO separately for each client, which is why you need to provide reliable information in the fields of the online calculator.

The final cost of the policy is influenced by many factors, including the car model, its theft rate, length of service, age and insurance history of the driver, the presence of anti-theft systems, region of operation, presence/absence of a franchise, additional services and other conditions.

Why do different models have different prices?

It's no secret that different companies (VSK, Ingosstrakh, Tinkoff, etc.) provide individual tariffs for comprehensive insurance. But an equally significant difference in the price for the policy is achieved depending on the make of the car. The most significant criteria in this matter are:

• Engine power (the more cubic meters a vehicle has, the more expensive its financial protection will be);
• Year of manufacture (inc. companies provide significant discounts on new cars);
• Theft statistics;
• Cost of the car;
• Body type (lower tariffs are set for a passenger car or motorcycle than for a bus or KAMAZ truck).

Due to the fact that the insurance policy rate changes many times every year, you can only find out the exact cost of purchasing a policy for a specific brand using an online calculator. You can find it on the official website of insurance companies, Alfa-Insurance, SOGAZ, etc.).

Documents required for purchasing CASCO insurance

To apply for a comprehensive insurance policy, you will need to provide the insurer with a package of documents, the exact list of which should be clarified in advance. As a rule, it includes: - a statement; — passport or other identity document; — registration documents for the car (registration certificate or sales contract).

The average cost of a CASCO policy in 2021 for individuals in the Russian Federation is approximately 65,000 rubles per year. In fact, in individual cases, the cost of CASCO differs significantly and depends on the make, model, year of manufacture of the car, its owners and a number of other parameters.

In addition, a number of insurance companies offer their clients reduced insurance programs that significantly reduce the cost of the policy. On the other hand, for cars under credit encumbrance, CASCO usually costs between 5 and 20 percent more.

The most correct way to calculate the cost of a policy for all insurance companies for yourself and your car is to use our online CASCO calculator.

The list of documents required to conclude a CASCO agreement in 2018 consists of the following items:

1. Russian general passport
2. Driver's license
3. Vehicle passport
4. Application for concluding a motor insurance contract. When you apply for a policy through our online calculator, statements for each company are automatically created.

Policy price for a used car

We found out how much CASCO costs for a car ex-showroom, based on its year of manufacture and original price. However, completely different tariffs are provided for used cars, 2-3 times higher than the rate when registering a new vehicle. And although at first glance the difference in cost seems quite significant, in reality everything is completely different.

It is important to know! Considering that used movable property is sold 25-50% cheaper than cars that have recently rolled off the production line, we can conclude that the policy itself for a motorist will cost a slightly lower amount. After all, its price directly depends on the mentioned indicator.

The established premium (for 1 year) in such a case will not be so large. Therefore, there are still benefits from buying used vehicles.

How to properly apply for CASCO insurance for a motorcycle

The CASCO insurance policy calculator for a motorcycle for 2019-2020 allows you to calculate the estimated cost only technically. There are also subjective factors based on the reluctance of companies to get involved with this category of vehicles. Therefore, you need to come to the office in person and be prepared for complex and lengthy negotiations, concessions and compromises.

If everything goes well, then an agreement is drawn up with the following content:

1. Parties to the agreement.
2. Object of protection (make, model, license plate number).
3. List of risks.
4. Insurance premium amount.
5. Payment amount.
6. Franchise size.
7. Contract time. The period for which the payment guarantee applies.
8. Rights and obligations of the parties.
9. Other conditions.

Article on the topic: How to receive payment in the event of an insured event under CASCO

Note! The insurer may impose a condition to install a modern alarm system on the bike, a tracking satellite navigator, and buy a VHI policy. You should agree, because otherwise achieving your goal will be problematic or impossible. You just need to compare how much CASCO costs for a motorcycle, the cost of additional options and the price of the vehicle.

What documents are needed

To conclude an agreement and obtain a CASCO policy, the motorcyclist must provide the agent with the following package of documents:

• identification;
• technical certificate;
• registration certificate;
• certificate of ownership;
• purchase agreement, gift agreement, will;
• previously purchased policy (if any);
• MTPL agreement (current);
• documents for alarm, anti-theft system and other certificates;
• driver's licenses of persons who will be allowed to drive;
• statement.

After checking the provided papers, a company representative inspects the vehicle and draws up a report indicating the estimated cost of the equipment.

Important! The policyholder must provide only reliable information. Forgery of documents and deception of the insurer are grounds for cancellation of the contract and refusal to pay.

How to write an application

There is no universal and legalized application form. To obtain CASCO insurance for a motorcycle, such large companies as Ingosstrakh, Rosgosstrakh, Soglasie, RESO have developed their own forms, which are filled out directly in the office.

There are mandatory items that are prescribed in the application

• to whom (if the form does not indicate the name of the insurance company and its head);
• from whom (full name, postal address, telephone numbers);
• information about the vehicle (make, model, production date, license plate number);
• cost of the motorcycle upon purchase;
• the presence of an alarm and anti-theft system;
• insurance period;
• date of entry into force of the agreement;
• insurance risks;
• regions of use of the bike;
• method of receiving compensation;
• list of persons admitted to management;
• franchise size;
• Additional Information;
• list of applications;
• date, signature, surname.

In most cases, consideration of an application is a purely formality if the details of cooperation have been previously agreed upon with the agent.

Related article: Using a CASCO policy if your car is scratched

Cost of car insurance on credit

Many motorists are confident that financial protection of their credit car will cost them much more, due to the need to obtain a full package of insurance services. However, this is not quite true. After all, according to the regulations of insurers, the client himself has the right to choose the optimal program for himself, relying only on his financial capabilities. Imposing additional options is an attempt to extract money from an inexperienced driver.

At the same time, the policy price for a car purchased through leasing will still be higher. But the reason for the increased tariff in this case is the interest imposed by the bank on top of the cost of the vehicle itself. And in order to prevent agents from deceiving you, you can conduct a complete analysis yourself, based on information from the certificate invoice.

We found out how much CASCO insurance costs in 2021, and by what criteria it should be calculated. In conclusion, we add that comprehensive protection is not mandatory, along with compulsory motor liability insurance. Therefore, if you do not have financial resources, you do not need to apply for it.

How to act in case of an insured event?

In this case, the standard rules for obtaining compensation for damage in an insured event apply:

• First of all, you should report the occurrence of such an event to your insurance company. To do this, almost each of them has a 24-hour call center, which you can call for free (read more about where and how to contact here).
• A traffic police or police officer is called to the scene of the incident, depending on the type of insured event. If you have minimum insurance in case the client is at fault for an accident, be sure to call the traffic police. In case of car theft, you should contact the police.
• The arriving law enforcement officer fills out a protocol on the existing incident. The policyholder’s task is to carefully monitor exactly what information and in what wording the inspector or police officer enters into the documents. Everything must clearly and unambiguously reflect what happened.
• At the traffic police department or the police, you will need to receive a notification of an accident or a certificate of the commenced investigation into the theft of a car, and then add to the document a passport, papers for the car, and, if necessary, keys and a key fob alarm.
• After checking the information about the case and recognizing it as insurance, the car owner receives the compensation due to him.

Why does the cost of CASCO differ for different car models?

Indeed, if you ask an insurance agent to calculate the cost of a CASCO policy for two different car models with approximately the same cost and the same other factors (the age of the driver, his accident-free record, etc.), you can often find that the price of CASCO differs significantly.

The first reason that influences this is the popularity of specific car models among car thieves.

It is believed, for example, that Japanese cars are stolen more often than others. Therefore, the cost of CASCO insurance for them will initially be higher - the risk for the insurance company that it will have to pay you insurance is obviously higher if you insure a “Japanese”.

The second reason is the different cost of spare parts and their availability. If your CASCO policy takes into account the risk of getting into an accident, then the insurance company needs to take into account the approximate cost of restoring your car, and it differs very much in different cases. Russian-made cars, spare parts for which are available and cheap, are one thing. Another thing is the same Japanese auto industry.

Another reason that is also taken into account by insurers is how many service stations in your city will generally undertake to repair your car and at what price. It happens that repairs are available only from an official dealer, who sets monopoly high prices for their services.

CASCO price and what car insurance depends on

The main criteria for calculating the cost of CASCO insurance for a car include:

• Type of insurance (full, partial, aggregate and non-aggregate);
• Driver's age (if the driver has not reached 21 years of age or is over 65 years old, then an increasing factor is applied);
• Driving experience (the more, the lower the CASCO price);
• Make, model and year of manufacture of the car;
• Availability of an installed security (anti-theft) system or devices;
• Add. car options;
• Franchise means that the company will retain a certain percentage of the insurance payment in its favor;
• Presence of additional circumstances. These include: paid parking, purchasing a car on credit, the driver’s past cooperation with a competing company. Under the latter condition, you can get a discount of up to 30%;
• The number of persons included in the insurance contract (the more, the more expensive the policy).

CASCO insurance contracts are generally concluded for 1 year. The reason for this is the condition that the amount of car insurance must be comparable to its market value. It can be set in both Russian and foreign currencies, but payments are made only in rubles at the Central Bank rates.

Options for reducing the cost of CASCO

However, there is a system of so-called discounts and bonuses that literally every driver can receive:

1. Careful driving. Insurers value drivers who have never been in an accident over a long period of time. For such diligent customers there are discounts that get bigger with every year of careful driving.
2. You can save money if you opt for a partial policy. For example, apply for CASCO insurance against theft and theft. The total cost will be significantly less.
3. Sometimes insurance organizations hold various promotions (for example, in honor of a holiday). To get caught up in the promotion, just go to the official websites of insurance organizations and monitor changes in this area.
4. You can pay less money if you choose the right insurance agency for yourself. Each organization sets its own price for insurance, so the driver should familiarize himself with the companies before choosing one.
5. You can also sign up for a franchise to get benefits.

There are several offers that insurance companies use to lure clients. For example, the so-called “naked CASCO”. This offer is considered the most budgetary. “Smart” is also very popular among car enthusiasts, because the entire amount will be paid to the driver in the event of an emergency. However, only twice.

If you study the websites of companies that operate in a particular region, you can find many profitable offers for the client.

CASCO insurance in Russia for 9 months of 2021.

The number of insured cars can increase due to the growth of the vehicle fleet or due to the inclusion in CASCO insurance of cars that were not previously insured. Objectively speaking, the hypothesis of including previously uninsured cars in insurance practically did not work or gave too insignificant gains.

If we look at the dynamics of the number of concluded contracts, we will see that in 2021, especially in the third quarter, the number of CASCO contracts concluded has increased significantly .

At first glance, one might assume that the number of concluded contracts in the third quarter of 2021 increased due to the so-called pent-up demand that arose due to restrictions on economic activity in the second quarter due to the pandemic.

And indeed, according to statistics from the Association of European Businesses , after a significant dip in sales of new cars in Russia in the second quarter of 2021, already in the third quarter there was not just a revival, but a significant increase in sales , almost twice as high as sales in the second quarter, and in volume more typical for the last quarter of the year.

Initially, we can conclude that an explanation for the trends has been found, however, if we take a closer look at the two graphs and compare the figures, we will see that the dynamics of sales of CASCO policies were not negative at all in 2021 relative to 2019 in any of the quarters . and in terms of growth it significantly exceeded similar values ​​for the number of cars sold.

Let's compare the growth in sales of CASCO policies with the sales of new cars on one graph and compare the ratios of the absolute growth in sales of new CASCO policies with the number of new cars replenishing the Russian car fleet on a quarterly basis.

As we can see, if in 2021 sales of new cars practically did not increase the number of CASCO insurance policies, and even, on the contrary, the number of policies decreased, then, starting from the fourth quarter of 2019, this ratio began to increase, and in the third quarter of 2021 it generally amounted to 89 % - formally this means that for 100 new cars sold there were 89 additional CASCO policies, taking into account the retired prolongation of previous years - that is, one can even assume that, taking into account the retired prolongation, the number of new policies in the third quarter exceeded the number of sales of new cars.

However, if you look at the absolute values ​​of the insurance premium for CASCO policies, it will be easy to notice that in rubles there is no similar growth dynamics in this type of insurance , and in fact, sales in the third quarter partially compensate for the sales losses in the second quarter in 2020.

The graph clearly shows that the dynamics of CASCO premiums does not correlate with the dynamics of the number of concluded contracts . It is obvious that the structure and content of CASCO products differ greatly from quarter to quarter, and in some places these differences are simply dramatic. Unfortunately, in the official reports of insurers there is no gradation or classification of CASCO contracts, but this will not prevent us from drawing some conclusions indirectly - let’s look at the value of the average premium for companies and try to identify “anomalies” in order to answer the question about the emerging imbalance.

As can be seen from the graph, the average premium, starting from the second quarter of 2021, has decreased significantly - if previously this value fluctuated around 35-36 thousand rubles. per policy, then starting from the second quarter of 2021, the average premium has decreased significantly - by more than 20% , which explains the reason why the number of policies has increased, but the amount of the insurance premium has not.

Let's study company statistics. Based on data for 9 months of 2020, we will divide companies into three main categories - companies that sold less than 1 thousand policies, companies that sold mainly cheap CASCO, and companies that sold mainly full CASCO. The results are presented in the table below (including also companies whose license was revoked or which did not sell CASCO):

As can be seen from the table, the increase in insurance premiums for 9 months of 2021 was only 1.2%, while the increase in the number of contracts was 18% . The main reason for this imbalance is the large number and growth of sales of “cheap CASCO” policies - out of 4 million CASCO policies sold, cheap policies accounted for just over 1 million policies or 26% - the average premium for these policies was only 1.3 thousand rubles. , which is far from full-fledged CASCO insurance.

The top sales of “cheap CASCO” were:

• “ASTRO-Volga”, which sold 465 thousand policies - according to this indicator, the company ranks second in the market with a share of 11%, second only to the company “Reso-Garantia”, while in terms of insurance premium its share is a modest 0.4 % – the average price of the company’s policy is about 1.1 thousand rubles;
• NSG-Rosenergo (license revoked in the 4th quarter of 2021), which sold 399 thousand policies with an average premium of 722 rubles;
• “ASKO”, which sold 152 thousand policies with an average premium of 3.5 thousand rubles.

, occupy a share of only 1.1% in terms of insurance premiums, while in terms of the number of policies sold they account for more than a quarter of the market - 26.2%.

If we exclude the number of contracts of these companies from the analysis, then the dynamics of sold policies will generally correspond to the dynamics of sold cars, as shown in the graph below:

Thus, there is an obvious trend and relationship between the increase in the number of policies sold and the sales of new cars, which was not initially visible from general statistics. It is worth noting that all companies from large CASCO insurers have reduced their average premium in 2021, except for the companies Alfastrakhovanie and Soglasie . The most noticeable reduction in the average premium was observed at VSK, Energogarant and Renaissance Insurance - for these companies it decreased by 25% or more. It is quite possible to assume that this is the result of both the tariff policy and the product mix, where there are also policies with both simply limited coverage and a temporary deductible or mileage deductible.

How to save on CASCO

When calculating the cost of CASCO, you noticed that the cost of the policy differs depending on the insurance company. To save on buying insurance:

• find out the cost from several insurers,
• use a franchise
• choose an incomplete CASCO package,
• insurance company promotions or special offers

Some insurance companies provide their own great deals.

• “50/50”, when the client and the company split the losses in half.
• "Naked CASCO" is one of the cheapest options.
• “Smart” - the car owner is paid the full cost of the damage, but no more than twice a year.
• “VIP” or “All inclusive” - some conditions are added to the main policy at the discretion of the company.

Video: How to save on a CASCO policy

To ensure that the insurance conditions are acceptable, we suggest using our online CASCO calculator. You will look at offers from 20 leading insurance companies in Russia.